Real Estate Investing in Sackets Harbor, New York (13685)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Jefferson County • Population: 2,234 • Data updated: September 2026

☆ Watch this market Free account

Should you buy in 13685 (Sackets Harbor, NY)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (60/100)

Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
2 flags
  • High vacancy: 30.3% of homes vacant — above national norms.
  • Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.

• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Sackets Harbor, NY (13685)?

Click any question — our AI will research it live from the web and show you sources.

✨ Live AI + Web Search
Want to ask your own questions? Upgrade to Pro for unlimited custom queries.
3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $303,630
Avg Monthly Rent $1,413
1% Rule ✗ Does Not Meet
Median Income $83,125
% Renters 44.7%

Market Analysis: 13685 Sackets Harbor

The 13685 ZIP in Sackets Harbor, NY is a local-operator market. Outside capital chasing a $304K entry has to pair deep knowledge with the discount.

Distressed markets are won on execution, not on spreadsheets. ZIP 13685 records the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.

In the broader NY picture, 13685 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.

Employment concentration in 13685 leans toward sectors with higher volatility. The demographic consequence is income fluctuation that investors need to factor into their pro forma.

Strategically, 13685 can be a high-return sleeve of a diversified portfolio — but it should not be the whole portfolio, and it should not be someone's first deal.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Sackets Harbor:

C+ Average
Buy Confidence Score: 65/100
Affordability
15/25
Appreciation
22/25
Stability
7/20
Timing
6/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.7× the median income
Value Trend
Rising (+9.0%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,413/mo if you need to move
Market Conditions
WARM
Seller-favorable conditions, steady activity
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
☀️
WARM MARKET
Watertown-Fort Drum, NY Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
10.6%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Watertown-Fort Drum, NY metro data
🏠

Property Strategy for 13685

Which property type performs best in this market?

Best for Cash Flow
4BR
5.2% cap rate
Best for Appreciation
4BR
+8.2% 5yr CAGR
Best Overall Value
4BR
$90,359/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $234,599 $1,570 4.8% +7.3% $117,300
3BR $295,397 $2,130 5.2% +7.0% $98,466
4BR $361,437 $2,620 5.2% +8.2% $90,359

Market Trends

Home Value History (with trend line)

$318K$277K$236K$196K$155K$114KJun 2006Jul 2016Jul 2026

📊 How Does 13685 Compare?

Metric 13685 Sackets Harbor Watertown-Fort Drum, NY New York
Home Value $303,630 $303,630 N/A $505,608
5-Year CAGR 6.9% 6.9% N/A 6.6%
Avg Rent $1,413 $1,413 N/A -
Cap Rate 3.6% 3.6% - -
💡 Why Invest in 13685? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

A healthy rental market with 45% renter-occupied households ensures tenant availability.

📊 See where this ZIP ranks in our Best-of lists →
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
Open the Market Finder →
Free to search · investor plans from $19/mo

Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 13685 (Sackets Harbor, NY). Anonymous, moderated, never written by AI.

Do you own or manage rentals in ZIP 13685 (Sackets Harbor, NY)?

~25 seconds · no account needed · your report is anonymous

Investability
Good
Cap Rate
3.6%
Low
5yr Growth
+6.9%
Strong

📊 Market Snapshot

Home Value $303,630
Monthly Rent $1,413
Price-to-Rent 17.9:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 5.6%
Cap Rate 3.6%
5-Year IRR 10.5%

📈 Home Appreciation

1-Year +9.0% ▲
3-Year CAGR +7.1% ▲
5-Year CAGR +6.9% ▲
10-Year CAGR +5.8% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.6%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.6%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.

Run an IRR Analysis →

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
30.3%
Elevated risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+6.9%
Growing
Eviction process: Slow Rent control: Unfavorable

Demographics in 13685

Population: 2,234

💰 Median Household Income
$83,125
This area
$83,125
State
$86,376
USA
$74,580
🏠 Renter Occupied
44.7%
This area
44.7%
State
26.4%
USA
34.0%
💼 Unemployment Rate
1.5%
This area
1.5%
State
-24.2%
USA
3.7%
🎓 College Educated
44.7%
This area
44.7%
State
4.2%
USA
33.7%
👤 Median Age
42.6 years
This area
42.6 years
State
7.4 years
USA
38.9 years
🏚️ Vacancy Rate
30.3%
This area
30.3%
State
19.4%
USA
10.5%
👥 Population by Ethnicity
White 91.9%
Other/Mixed 7.5%
Hispanic/Latino 2.4%
Asian 0.5%
Black/African American 0.2%
👶 Under 18
13.7%
This area
13.7%
USA
22.0%
👴 65 and Over
22.7%
This area
22.7%
USA
17.3%
📊 Poverty Rate
4.9%
This area
4.9%
USA
11.5%

Crime & Safety

🚧

Crime & Safety Data Coming Soon

We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.

Expected: Q1 2025

🎓 Schools in 13685

A+ Avg School Grade
1 Schools
11.6:1 Avg Class Size
$23,352 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

SACKETS HARBOR CENTRAL SCHOOL

📚 Pre-K – 12 K-12
👥
399 Students
👨‍🏫
11.6:1 Class Size
💰
$23,352 Per Student
About Repit School Scores

Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.

We evaluate schools based on factors that research shows actually impact educational outcomes:

  • Class Size — Smaller classes mean more individual attention
  • School Funding — Resources available for programs, staff, and facilities
  • Community Factors — Neighborhood characteristics that influence student success
  • School Environment — Size, type, and structure

Scores are updated annually using federal education data.

🎓 Nearby Colleges & Universities

2 Nearby 630 Off-Campus Students
D
Jefferson Lewis BOCES-Practical Nursing Program
23 students · 6.7 mi
C
Jefferson Community College
2,252 students · 8.9 mi

Investor Insight: With 630 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

Which investment style suits Sackets Harbor, NY?

For Sackets Harbor, NY, careful cash-flow rentals with hands-on management is the standard investor playbook. The market structure makes it a reasonable default approach.

Are eviction rules reasonable in Sackets Harbor, NY?

The landlord environment in Sackets Harbor, NY is tenant-protective. Statewide rules shape most day-to-day operations for rental owners.

Is Sackets Harbor, NY a good market for FHA house hackers?

For house hackers, Sackets Harbor, NY is a challenging. The $1,413/mo rent on a unit helps defray the mortgage on a $304K property.

How does Sackets Harbor, NY stack up for property investment?

Sackets Harbor, NY scores 3.0/5 for investability. Home values sit at $304K and rents near $1,413/mo, which keeps the rent-to-price ratio in reasonable territory for buy-and-hold investors.

How qualified is the tenant pool in Sackets Harbor, NY?

Sackets Harbor, NY offers a reliable renter base at the $1,413/mo rent level. Tenant turnover is reasonable for well-managed properties.

You know 13685 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 13685 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.

Compare Plans

How 13685 ranks in Watertown-Fort Drum, NY

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
🤖

AI Market Advisor

Ask questions about investing in 13685 (Sackets Harbor)

Loading...

Community Ratings

What people who’ve spent time here actually say. Not paid reviews.

Be the first to rate 13685 (Sackets Harbor, NY).

It takes 30 seconds. No signup. Your rating helps everyone who comes here after you.